What to Do When Data Breaches Affect Your Institution’s Loan Marketing
On September 7, 2017, Equifax made public a security breach that potentially exposed personal, sensitive information of more than...
Accelerate Growth in a New World: How To Attract Loans in a Competitive Market
The key to beating the competition in a fluctuating banking is to create a new core account holder base,...
The New FICO Score Calculations – Will It Affect How You Do Business?
To remain competitive, traditional lenders may need to consider criterion similar to Fintech applications where FICO scores weigh less...
The New Reality of an Up-Rate Environment
Steve Nikitas, Senior Strategy Director for Harland Clarke, talks interest rates, net interest margins (NIMs), and profitability. For nearly...
Generating Fee Income in a Friendly Sort of Way
Going back to the 1980s, net interest margins (NIMs) typically hover between 3-4 percent. So what, you say? Well,...
Financial Institutions and Fintechs — A Marriage of Convenience?
Consumers’ continued adoption of technology makes partnering with fintechs to provide a convenient channel through which account holders can...
What Goes Down, Must Come Up: Preparing for Rising Interest Rates
What’s going to happen with interest rates? When are they going up?